Bilge Makers Unlimited has a goal to lower the cost of employee benefits. Its human resource department compares the costs of its benefits with averages published by the Bureau of Labor Statistics, the U$.$S$.$ Chamber of Commerce, and other sources. The investigation shows that its cost for workers' compensation insurance is high relative to other companies. Which of the following actions could best help Bilge Makers accomplish its.goal?

replace the workers' compensation insurance with disability insurance

shop for a better deal on workers' compensation insurance

accept the high cost and look for other areas in which to reduce spending

improve safety to lower the company's experience rating

cancel the workers' compensation insurance